Welcome to our
SME Blog

Helpful SME finance insights, articles and resources covering a range of topics:

Feel free to browse

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Ten steps to improving your cyber security

November 30, 2023
Cyber crime costs UK businesses over £20bn annually and the threat is growing. Don’t let your business be vulnerable. Our latest article outlines ten essential steps to shield your operations from cyber threats. From cultivating awareness and basic security measures to advanced strategies like encryption and recovery planning, these tips are crucial for any business.

Cyber security for SMEs

November 30, 2023
Is your business truly safe from cyber threats? In a rapidly digitalising world, cyber security is not just a big corporation's concern – it's crucial for SMEs too. Discover why effective cyber security is the backbone of your business's safety. Our comprehensive article dives into the real risks SMEs face, from malware to phishing attacks, and the catastrophic impacts of cyber crimes.

Business-focused Autumn Statement outlines support for SMEs

November 23, 2023
Delve into the Autumn Statement, a transformative blueprint for small businesses. Featuring permanent 'full expensing', a £50m apprenticeship fund, and extended tax reliefs. For a comprehensive analysis and to discover how Capify's finance solutions align with these new opportunities, read the full article.

How to write an effective business plan

November 7, 2023
Let us guide you through the principles of creating a business plan that reflects the unique essence of your brand, a plan that not only serves as a reminder of your foundational passion but also as a proven catalyst for accelerated growth. Click here to find out more.

Capify announces new £45m SME Loan Fund

October 24, 2023
Are you among the 76% of SME owners concerned about your cash reserves? Struggling to secure funding from traditional banks? Look no further. Capify, the UK Credit Awards’ SME Lender of the Year, unveils a groundbreaking £45m SME Loan Fund. Don't miss out—this fund is available only until December 31st.

Business confidence falls again as SMEs experience cash squeeze

October 23, 2023
Capify’s latest quarterly survey SME business confidence fell further in Q3 2023, with two thirds of owner now worried about cash in bank as inflationary impact bites
Why SMEs Choose Capify

Trusted Cash Flow Support for UK Businesses

We’ve been supporting UK SMEs for years with funding and tools that make cash flow management easier.
Businesses choose Capify because:

Funding available from £10,000

Simple, fast application

Dedicated UK-based account manager

Quick decisions and fast funding

Start your quick eligibility check
Strong track record of positive customer reviews

All Business Loans

Browse and compare every loan product we offer

Small Business Loans

Flexible funding from £10,000 to £3,000,000

Unsecured Business Loans

No assets required as collateral

Secured Business Loans

Lower rates when backed by business assets

Bad Credit Business Loans

Options available even with a poor credit history

Fast/Same-Day Business Loans

Funds deposited within 24 hours of approval

Short-Term Business Loans

Repay in 3–12 months with manageable terms

Working Capital Loans

Keep day-to-day operations running smoothly

Cash Flow Loans

Bridge gaps between invoicing and payments

Supplier Invoice Payments

Pay suppliers on time and protect relationships

VAT Finance

Spread the cost of your VAT bill over monthly payments

Managing Existing Borrowing

Debt Consolidation

Combine multiple debts into one manageable repayment

Debt Refinancing

Replace existing finance with better terms

Asset Finance

Fund equipment, vehicles and machinery purchases

Bridging Loans

Short-term property finance while you arrange long-term funding

Commercial Mortgages

Purchase or refinance commercial property

Help Me Choose

Compare All Business Finance

Side-by-side comparison of every finance option

Eligibility Criteria

Understand what we look for before you apply

Loan Calculator

Estimate your monthly repayments instantly

How It Works

Our simple application process explained

Finance Info Hub

Comprehensive guides covering every type of business finance available in the UK.

Cash Flow Hub

Practical tips and strategies to manage and improve your business cash flow.

Loan Calculator

Estimate monthly repayments and total costs for different loan amounts and terms.

FAQs

Answers to the most common questions about business finance and eligibility.

Retail Business Finance

Tailored funding solutions for high-street and online retailers.

Wholesale Business Finance

Finance options designed for bulk purchasing and distribution businesses.

Hospitality Business Finance

Funding for pubs, restaurants, hotels, and leisure operators.

Construction Business Finance

Project-based and asset finance for construction and trades firms.

Manufacturing Business Finance

Equipment finance and working capital for UK manufacturers.

Health and Care Homes Finance

Specialist finance for care homes, GP surgeries, and health sector operators.

Confidence Reports

Quarterly reports tracking SME sentiment, lending trends, and economic outlook.

Business Booster Hub

Actionable insights and case studies to help your business grow faster.

Blog

Latest news, expert opinions, and practical advice for UK business owners.